Taxes

• Roth IRA
• Tax Deductions
  IRA Penalties for Early Withdrawal: None, if used for payment of qualified education expenses (time deposit penalties may apply)

Investment

• Mutual Funds
  * Stocks, mutual funds and variable products are not suitable for all investors. Before making any purchases you should carefully read the prospectus and prospectuses for the underlying investment portfolio of variable products and other information about the investment company. In addition to carefully reviewing the prospectus, you are advised to consider carefully the investment objectives, risks, charges and expenses of the investment before investing. A prospectus may be obtained by contacting PFCU Wealth Management or directly from the mutual funds, insurance company, or offering entity.
• Wealth Management
  Securities offered through First Heartland Capital, Inc. Member FINRA & SIPC. Advisory services offered through First Heartland Consultants, Inc. PFCU Wealth Management is not affiliated with First Heartland Capital, Inc. Securities offered through First Heartland Capital, Inc. are: not federally insured, subject to market risk including loss of principal, not obligations of, deposits of, or guaranteed by the Credit Union. PFCU Wealth Management is located at our Portland Office.

Planning

• Financial Planning
  Retirement can sneak up on you. Not in the sense that you unexpectedly wake up on a golf course one morning, but in the sense that poor financial planning can leave you unprepared. PFCU offers Individual Retirement Accounts to our Michigan members. All IRAs are insured through NCUA and designed to provide a more comfortable retirement.
• Long Term Care
  Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense.